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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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How to pay off debt

Want to know how to pay off debt?

When debt is making your life miserable, all you want to know is how to pay off debt as easily as possible. But before you choose a solution, it’s important to know things about debt.

The debt industry is a big business – there are plenty of companies and individuals that will promise to show you how to pay off debt quickly. From debt settlement firms to debt relief loans and balance transfers on credit cards to debt management plans, there is no shortage of strategies for managing debt. But many of these for-profit companies are more interested in turning a profit than in truly helping you learn how to pay off debt, and if you’re not careful, you can end up owing even more money than when you started.

That’s why, when you want to understand how to pay off debt in a way that is most advantageous for your financial situation, it’s wise to seek help from a nonprofit organization like American Consumer Credit Counseling (ACCC).

Learn how to pay off debt with help from ACCC.

At ACCC, we are dedicated to helping consumers find out how to pay off debt and learn how to live debt-free in the future. As a nonprofit organization, we offer free credit counseling sessions and low-cost credit debt services with rates that are among the lowest in the industry. Our highly trained credit counselors will work with you to understand your financial situation, detail all the options available to you for how to pay off debt, and help you choose the strategy that makes the most sense for you. We can also connect you with educational materials that can help you manage your finances to help you achieve your financial goals, and answer all your questions about debt including “How do I pay off credit cards more quickly?” and “How much credit card debt is bad?”

How to pay off debt with a debt management plan.

For consumers who want to know how to pay off debt without taking on new loans or damaging their credit rating further, our credit counselors often recommend a debt management plan. With this strategy, rather than paying each of your creditors every month you’ll consolidate payments and make a single payment to ACCC instead. Our team will then pay each of your creditors on your behalf. You’ll find that a debt management plan will simplify your finances, make it easier to stay on top of payments and reduce your stress over owing money. ACCC will work with your creditors for a possible reduction in interest rates, finance charges, over-limit fees and late fees, helping to minimize your debt so you can pay it off more quickly.

Learn more about how to pay off debt with help from ACCC, and get answers to questions like “What does a debt counselor do?” and “How do I reduce debt fast?”

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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